The Research Of Relationship Between Green Credit And Sustainable Development Of Commercial Banks

Along with the rapid growth of GDP, has brought the serious environmentalproblems.To achieve sustainable development, commercial banks play a importantrole in the whole national economy to related to social environment. Green creditpolicy has become essential to the development trend of the banking sector. Whethergreen credit policy could be effective depends on the relationship between Greencredit and sustainable development of commercial Banks.Based on the analysis of commercial bank sustainable development path,integrating existing research results.Through game equilibrium analytical method andempirical analytical method, to explore the relationship between green credit andsustainable development of commercial banks.First of all, this paper Establish thegame model between Banks and enterprises and Banks and banking. It is concludedthat the only commercial Banks are the implementation of green credit to reach thePareto optimal solution.Therefore, proved the positive correlation betweencommercial banks sustainable development and green credit in theory.Then,thisarticle proposed a new definition of commercial banks sustainable development thatenvironment social sustainable and efficiency of commercial Banks.Based on the twodimensions. The environment social sustainable refers to the green credit ratio andmedia reports on the commercial Banks to implement green credit. Bank efficiencyrefers to cost-income ratio; asset-liability ratio; non-performing loan ratio; growthrate of Non-interest income; return on total assets.According to a certain principle ofselection indicators, the paper structured the relationship mode between green creditand sustainable development of commercial banks. The article had a comprehensiveanalysis of sustainable development of16listed commercial banks in China, Datafrom2010~2014, a total of512observations. The conclusion is as follows:(1)Significant positive correlation between commercial banks sustainable developmentand green credit;(2) As time goes on, the relationship presents increasing trend;(3)Improve the green credit more help than commercial Banks to achieve sustainabledevelopment.